Headed Out West

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Headed Out West

Many people have called insurance the necessary evil. No one wants to pay for insurance, but everyone has to. Whether you are speaking about medical insurance or automobile insurance, insurance is quite necessary. If you don’t think so, stop making your premium payments on your medical insurance, and then take a trip to the doctor’s office. Please don’t look surprised when the receptionist asks for more than your usual $10.00 co-pay.

Yes, we all need insurance. I don’t think anyone needs insurance more than the people that live in the state of California. California is an insurance haven. There is earthquake related insurance. There is fire insurance (this is very necessary because at some point in your life in California a brush fire is going to threaten your home).

In California you need travel insurance because nothing is close in proximity. If you live in Los Angeles you will needed health insurance because the smog is going to get you.

While on the subject of Los Angeles we might as well discuss auto insurance, because no one there can drive, but everyone is in a hurry to get somewhere. While on the subject of traffic I have to pose a rhetorical question: How is it that the 2nd largest city in America has road construction going on constantly, but the traffic never improves. This is just a little something that boggles my mind.

I hate to keep picking on Los Angeles, but Santa Monica doesn’t register on the insurance Richter scale like Los Angeles. With that being said, if you live anywhere near South Central Los Angeles, you will need life insurance. Don’t be surprised if the premiums are a little higher than normal. You will soon find out why.

Back to earthquakes; why in the world are people literally making plans on retiring to a state in which the ground moves; frequently! No, really, the ground moves! Maybe, I am not being clear enough, the ground moves. In fact, if I was out there I would need extra health insurance because I would be consumed with postulating when the state will fall into the ocean. Who makes predictions like that anyway? Imagine, you are watching the news and the weather guy says, “Today we have sunny skies and no chance of rain. You can expect the high to be around 92, and by the way, look for the state to total fall off into the ocean. Are you kidding me?

How many parents couldn’t get their kids to go to school after something like that?

The truth is that California is an awesome state and next to San Francisco, Los Angeles is my favorite city to visit there, but even in a gorgeous state like California things happen. No, no one wants to give a company money on a just in case scenario, but the alternative is definitely not a good one.

So, we will have to learn how to fork over the cash and smile, because when that accident happens or that surgery is needed, we will be thinking, “Man, I am so glad I got this insurance.” It is always better to be safe than it is to be sorry.